FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  User-Friendly Holding, LLC
 2. Date of Event Requiring Statement (Month/Day/Year)
08/14/2020		 3. Issuer Name and Ticker or Trading Symbol
LM FUNDING AMERICA, INC. [LMFA]
(Last)
(First)
(Middle)
10200 GROGANS MILL RD., SUITE 440		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director __X__ 10% Owner
_____ Officer (give title below) _____ Other (specify below)
5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

THE WOODLANDS, TX 77380		 6. Individual or Joint/Group Filing(Check Applicable Line)
___ Form filed by One Reporting Person
_X_ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock, $0.001 par value per share 1,089,618
I
See Footnote (1)

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
User-Friendly Holding, LLC
10200 GROGANS MILL RD., SUITE 440
THE WOODLANDS, TX 77380		     X    
User-Friendly Phone Book, LLC
10200 GROGANS MILL RD., SUITE 440
THE WOODLANDS, TX 77380		     X    

Signatures

User-Friendly Phone Book, LLC, By: /s/ Bruce Howard, Chief Executive Officer 08/24/2020
**Signature of Reporting Person Date
User-Friendly Holding, LLC, By: /s/ Bruce Howard, Chief Executive Officer 08/24/2020
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) The shares of common stock reported herein are owned directly by User-Friendly Phone Book, LLC, a Delaware limited liability company ("UFPB"). UFPB is a wholly-owned subsidiary of, and is controlled by, User-Friendly Holding, LLC, a Delaware limited liability company ("UFH"). Jeffrey T. Stevenson controls the board of managers of UFH. This report shall not be deemed an admission that UFPB, UFH or any other person is the beneficial owner of the securities reported herein for purposes of Section 16 of the Securities Exchange Act of 1934, or for any other purpose.

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